The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,784
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,524
−HK$751/mo
Today · 4.125%
HK$25,275
baseline
▲ 0.50% · 4.625%
HK$26,813
+HK$1,538/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,550/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,459
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,169
−HK$720/mo
Today · 4.125%
HK$27,889
baseline
▲ 0.50% · 4.625%
HK$29,359
+HK$1,470/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,778/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,541
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,429
−HK$902/mo
Today · 4.125%
HK$30,331
baseline
▲ 0.50% · 4.625%
HK$32,176
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,662/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,751
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,603
−HK$864/mo
Today · 4.125%
HK$33,467
baseline
▲ 0.50% · 4.625%
HK$35,231
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,934/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,298
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,333
−HK$1,053/mo
Today · 4.125%
HK$35,386
baseline
▲ 0.50% · 4.625%
HK$37,539
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,772/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,043
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,037
−HK$1,008/mo
Today · 4.125%
HK$39,045
baseline
▲ 0.50% · 4.625%
HK$41,103
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,090/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,811
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,143
−HK$1,353/mo
Today · 4.125%
HK$45,496
baseline
▲ 0.50% · 4.625%
HK$48,264
+HK$2,768/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$90,992/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,627
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,904
−HK$1,296/mo
Today · 4.125%
HK$50,200
baseline
▲ 0.50% · 4.625%
HK$52,846
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,400/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,141 · Scale 2, in force from 26 Feb 2026)